www.annualcreditreport.co.uk

gibbojene

I don't know if anyone else has expereinced this but I have got my credit report from annualcreditreport.co.uk and its seems to be missing alot of creditors...am i safe to assume some creditors havent appeared on my Credit file therefore I dont owe them money?

rayday2

Nope!

There are 3 credit agencies you need to check with all 3 before you jump to conclusions like that.

Experian is one, callcredit and Equifax are the three agencies.

gibbojene

It says it get reports from all three agencies though...

rayday2

When I did it mine was not very accurate and had bits missing when I signed up with checkmyfile I found them all on there.

fermi

gibbojene wrote: »

It says it get reports from all three agencies though...

They most certainly DO NOT.

They only list one of the seven (ish) accounts of mine that should be listed. Which suggests in my case they only obtained information from Call Credit.:rolleyes:

I tried the free report out of interest, but wouldn't trust it for one second.:rolleyes:

Despite the marketing, the information provided by annualcreditreport is nearly always far from complete.

annualcreditreport are not not one of the three genuinely independent Credit Reference Agencies. Instead they get their information from at best one or two of those, resulting in often incomplete or out of date information.

The three proper agencies are:

Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
0870 241 6212
www.experian.co.uk

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
www.equifax.co.uk

Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
www.callcredit.co.uk

Even with these, to get the fullest picture you need to obtain reports from all three. And even then there is no guarantee that all debts will be listed.

Credit Reference Files can be a useful tool in working out what you owe, but you cannot depend on the information being 100% accurate or complete.

Paul_Herring

gibbojene wrote: »

It says it get reports from all three agencies though...

They lie, or you've perhaps misunderstood.

I too find their report incomplete and inaccurate. My last report taken in February this year does not have my current address (I moved last November.)

I am on the electoral role under my current address (and was when the information was allegedly taken by ACR.)

My Experian/Equifax reports (again, taken in Feb) had the correct address.